Hi, a friend is paying interest only (tracker) on BOS-I tracker mortgage being handled by Pepper. House is PPR and is in positive equity. €100,000 left, value €250,000. Since going interest only, no payments have been missed. She can afford to start paying some principal but not enough to clear mortgage in three years. She reaches 65 in five years and will continue to work into retirement for a modest salary. She would expect to clear the mortgage in 10 years if she was allowed. However the mortgage is due to finish in 3 years and pepper has written to ask if she can pay off the debt at that time or if she needs to discuss her circumstances. They have said the term could be extended for two years. What are the chances they would let her extend for 10 years? Her husband is retired on state pension only. They do not want to move but think they might be forced to and are getting anxious about not being able to repay the capital. They want to meet with the bank and discuss extending the term to 10 years. Any advice would be very grateful. Thanks.